A recent report from the Pew Health Group's Safe Credit Card Project has found that credit cards issued by credit unions remain the best deal for consumers and that, by and large, the Credit Card Accountability, Responsibility and Disclosure Act has accomplished the goals legislators intended.

Fair Isaac Corp. wants the next generation of scores to not only reflect a record of how well or poorly consumers have paid their debts in the past but also to predict how they are likely to react to future economic events.